45 Iona Street, Staten Island, NY, 10305 | $898,000

Welcome to 45 Iona Street, a well-maintained two-family residence situated in the desirable Midland Beach section of Staten Island. Built in 2000, this property offers a thoughtful layout, modern construction elements, and an ideal living arrangement for those seeking both comfort and income opportunity. The main residence features a bright and inviting living area, complemented by an efficient kitchen and a well-designed floor plan suitable for everyday living and entertaining. The second unit offers its own private entrance, providing versatility for rental income, extended family living, or guest accommodations. Both units deliver generous light, functional layouts, and the advantage of newer-era building standards. Outdoor space includes a private yard, offering room for leisure, gardening, and seasonal enjoyment. The low-maintenance lot size ensures manageable upkeep while preserving valuable outdoor use. With a convenient location moments from parks, beaches, local shopping, and transit options, residents benefit from a peaceful neighborhood setting paired with excellent accessibility to transportation and nearby express routes into Manhattan and Brooklyn. Whether you are an investor seeking steady returns or an end-user interested in supplemental rental income, 45 Iona Street stands as a compelling opportunity. Offering a blend of practical living, income potential, and Staten Island coastal charm, this property is a rare chance to secure a two-family home in a thriving and continually developing community.

Features

  • Bedrooms: 4
  • Baths: 4 full
  • Style: Duplex
  • Year Built: 2000
  • Garage: 1-car
  • Heating: Electric, Forced Air, Heat Pump
  • Cooling: Central Air, Ductwork, ENERGY STAR Qualified Equipment
  • Est. Taxes: $5,536
  • Water Front: Yes
  • Elem. School: Ps 52 John C Thompson
  • Middle School: Is 2 George L Egbert
  • High School: New Dorp High School
  • School District: New York City Geographic District #31
  • MLS#: 933199
  • Days on Market: 13 days
  • Website: https://www.raveis.com
    /prop/933199/45ionastreet_statenisland_ny?source=qrflyer
Listing information has been assembled from various sources of varying degrees of reliability. Any information critical to the buying decision should be independently verified.Listing courtesy of Adam Street Realty LLC   Phone: 914-969-6960

William Raveis Family of Services

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Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

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To learn more about our credentials, visit raveis.com today.

Sarah DeFlorioVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 1880936

347.223.0992

Sarah.DeFlorio@Raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Ryan FortierInsurance Sales Director, William Raveis Insurance

516.739.7731

Ryan.Fortier@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

45 Iona Street, Staten Island, NY, 10305

$898,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Sarah DeFlorio

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 347.223.0992

Sarah.DeFlorio@Raveis.com

NMLS Mortgage Loan Originator ID 1880936

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $718,400 $718,400 $718,400
Term 360 months 360 months 180 months
Initial Interest Rate** 5.250% 6.000% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.294% 6.133% 6.058%
Monthly Tax Payment $461 $461 $461
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,967 $4,307 $6,014
Total Monthly Payment $4,520 $4,860 $6,567

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.